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She would like to invest some ($120,000) to suppliment her monthly income. What would be the best vehicle to do this?

Individual bonds? How would the interest be delivered to her?

IMHO, the best way is a laddered CD portfolio. I used to think individual bonds were a good idea, then the Enron/WorldCom fiasco hit. Bonds are only as good as the company behind them so you can lose your principle just as if you were holding stock. CDs are FDIC insured and you could manage them at any bank or through your online broker.

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